Welcome to insuranceuklife.com (the "Website"), operated by TURGON MANAGEMENT LTD (registered in England and Wales, company number 13614887, registered office at 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom) (the "Company", "we", "us", or "our").
These Terms of Use (the "Terms") constitute a legally binding agreement between you (the "User", "you", or "your") and the Company. By accessing, browsing, or using the Website, you acknowledge that you have read, understood, and agree to be bound by these Terms.
Important: If you do not agree to these Terms, you must immediately cease using the Website. Continued use of the Website constitutes acceptance of these Terms as they may be amended from time to time.
2. Purpose and Scope of the Website
The Website is provided for the following purposes:
Informational purposes: To provide general information about insurance products, services, and industry topics
Lead generation: To facilitate connections between users and insurance providers, brokers, and related service providers
Quote requests: To enable users to request insurance quotes and information about coverage options
Disclaimer: Information on the Website is for general guidance only. You should seek independent professional advice before making any financial or insurance decisions.
3. User Eligibility and Registration
3.1 Age Requirement
By using the Website, you represent and warrant that you are at least 18 years of age or the age of legal majority in your jurisdiction. The Website is not intended for use by individuals under 18.
3.2 Account Registration
Certain features of the Website may require you to create an account or provide personal information. When registering or submitting forms, you agree to:
Provide accurate, current, and complete information
Maintain and promptly update your information to keep it accurate
Maintain the security and confidentiality of your login credentials (if applicable)
Accept responsibility for all activities under your account
Notify us immediately of any unauthorized use of your account
3.3 Prohibited Activities
You agree NOT to use the Website for any unlawful purpose or in any way that could damage, disable, overburden, or impair the Website. Specifically, you shall not:
Provide false, misleading, or fraudulent information
Impersonate any person or entity or misrepresent your affiliation
Use automated systems (bots, scrapers, crawlers) to access the Website without permission
Attempt to gain unauthorized access to any portion of the Website or related systems
Transmit viruses, malware, or any other malicious code
Interfere with or disrupt the integrity or performance of the Website
Collect or harvest personal data of other users without consent
Use the Website for spam, phishing, or unsolicited commercial communications
Engage in any activity that violates applicable laws or regulations
4. Lead Generation and Third-Party Providers
4.1 Nature of Service
The Website operates as a lead generation platform. When you submit a contact form or quote request, your personal information will be shared with selected insurance providers, brokers, or service providers (the "Partners").
4.2 No Direct Insurance Sales
We do not sell insurance products directly. Any insurance products or services will be provided by independent third-party Partners who are responsible for:
Assessing your insurance needs and eligibility
Providing quotes and policy terms
Issuing insurance contracts and handling claims
Complying with applicable insurance regulations and licensing requirements
4.3 Third-Party Relationships
We are not responsible for:
The actions, omissions, or conduct of Partners
The accuracy, quality, or suitability of insurance products offered by Partners
Any agreements, contracts, or disputes between you and Partners
The privacy practices of Partners (governed by their respective privacy policies)
Important: Partners are independent data controllers. Once your information is shared with them, their own terms and privacy policies apply. We recommend reviewing their documentation before engaging with their services.
4.4 No Guarantee of Quotes or Coverage
Submitting a request through the Website does not guarantee:
Receipt of insurance quotes or offers
Approval for insurance coverage
Specific pricing, terms, or conditions
That Partners will contact you within a specific timeframe
5. Intellectual Property Rights
5.1 Ownership
All content, materials, and intellectual property on the Website, including but not limited to:
Text, graphics, logos, images, and photographs
Software, code, and technical architecture
Trademarks, service marks, and brand names
Design, layout, and "look and feel" of the Website
are owned by TURGON MANAGEMENT LTD, its licensors, or content providers and are protected by UK, EU, and international copyright, trademark, and intellectual property laws.
5.2 Limited License
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for personal, non-commercial purposes in accordance with these Terms.
5.3 Restrictions
You may NOT:
Copy, reproduce, distribute, or publicly display Website content without written permission
Modify, adapt, translate, or create derivative works from Website materials
Remove or alter copyright, trademark, or proprietary notices
Use the Website content for commercial purposes without authorization
Reverse engineer, decompile, or disassemble any Website software or technology
5.4 Trademark Notice
The names "Life Insurance UK", "TURGON MANAGEMENT LTD", and associated logos are trademarks or registered trademarks of TURGON MANAGEMENT LTD. Unauthorized use is prohibited.
6. User-Generated Content
6.1 Submissions
If you submit comments, reviews, feedback, suggestions, or other content to the Website (collectively, "User Content"), you grant us a worldwide, perpetual, irrevocable, royalty-free, transferable license to use, reproduce, modify, publish, and distribute such content for any purpose.
6.2 Prohibited Content
You agree NOT to submit User Content that:
Is unlawful, defamatory, obscene, or offensive
Infringes third-party intellectual property rights
Contains confidential or proprietary information of others
Promotes discrimination, hatred, or violence
Contains viruses, malware, or harmful code
6.3 Monitoring and Removal
We reserve the right (but have no obligation) to monitor, edit, or remove User Content that violates these Terms or is otherwise objectionable, without prior notice.
7. Third-Party Links and Services
The Website may contain links to third-party websites, services, or resources that are not owned or controlled by us, including:
Insurance provider websites
Partner broker platforms
Social media channels
Affiliate or advertising networks
We are not responsible for:
The content, accuracy, or availability of third-party sites
The privacy practices or security of external services
Any loss or damage arising from your use of third-party sites
Recommendation: Review the terms of use and privacy policies of any third-party sites before providing personal information or engaging with their services.
The inclusion of links does not imply endorsement, approval, or recommendation of the linked sites or their content.
8. Disclaimers and Warranties
8.1 "As Is" Basis
The Website and all content, services, and functionality are provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, either express or implied.
8.2 No Warranty
To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:
Merchantability: That the Website is suitable for a particular purpose
Non-infringement: That the Website does not violate third-party rights
Accuracy: That information on the Website is accurate, complete, or current
Reliability: That the Website will be uninterrupted, secure, or error-free
Quality: That defects will be corrected or that the Website is free from viruses
8.3 Information Disclaimer
Information on the Website is for general guidance only and should not be relied upon as:
Professional financial, legal, or insurance advice
A substitute for consultation with qualified professionals
A guarantee of specific outcomes or results
8.4 No Advice
Nothing on the Website constitutes personalized advice tailored to your specific circumstances. Always seek independent professional advice before making insurance or financial decisions.
9. Limitation of Liability
9.1 Exclusion of Liability
To the maximum extent permitted by applicable law, TURGON MANAGEMENT LTD, its directors, officers, employees, agents, and affiliates shall NOT be liable for any:
Indirect, incidental, or consequential damages arising from your use of the Website
Loss of profits, revenue, data, or business opportunities
Damages resulting from:
Errors, mistakes, or inaccuracies in Website content
Unauthorized access to your personal information or account
Interruptions, bugs, or technical failures of the Website
Actions or omissions of third-party Partners
Reliance on information obtained through the Website
9.2 Maximum Liability
In no event shall our total aggregate liability to you for all claims arising from or related to the Website exceed the greater of:
£100 (one hundred pounds sterling), OR
The amount you paid to us (if any) in the 12 months preceding the claim
9.3 Statutory Rights
Nothing in these Terms excludes or limits our liability for:
Death or personal injury caused by our negligence
Fraud or fraudulent misrepresentation
Any liability that cannot be excluded or limited by UK law
Consumer Rights: If you are a consumer, your statutory rights under UK consumer protection law are not affected by these Terms.
10. Indemnification
You agree to indemnify, defend, and hold harmless TURGON MANAGEMENT LTD, its affiliates, and their respective directors, officers, employees, agents, and contractors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable legal fees) arising from:
Your use or misuse of the Website
Your violation of these Terms
Your violation of any rights of a third party, including intellectual property rights
Your breach of applicable laws or regulations
Any User Content you submit or transmit through the Website
Any fraudulent, negligent, or willful misconduct by you
This indemnification obligation survives termination of your use of the Website.
11. Privacy and Data Protection
Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, share, and protect your personal data in accordance with the General Data Protection Regulation (GDPR) and the UK Data Protection Act 2018.
Key points:
We collect personal data when you submit forms or interact with the Website
Your data is shared with selected insurance Partners for lead generation purposes
We use cookies and tracking technologies (see our Cookie Policy)
You have rights to access, rectify, delete, or restrict processing of your data
By using the Website, you consent to data processing as described in our Privacy Policy.
12. Termination and Suspension
12.1 Termination by You
You may stop using the Website at any time without notice. If you have an account, you may request account closure by contacting us.
12.2 Termination by Us
We reserve the right to suspend or terminate your access to the Website, with or without notice, for any reason, including but not limited to:
Violation of these Terms
Fraudulent, abusive, or illegal activity
Threats to the security or integrity of the Website
Prolonged periods of inactivity
At our sole discretion for operational or business reasons
12.3 Effect of Termination
Upon termination:
Your right to use the Website immediately ceases
We may delete your account and associated data (subject to legal retention requirements)
Provisions that by their nature should survive (e.g., disclaimers, limitations of liability, indemnification) remain in effect
13. Modifications to the Website and Terms
13.1 Website Changes
We reserve the right to modify, suspend, or discontinue the Website (or any part thereof) at any time, with or without notice, for any reason, including but not limited to:
Maintenance, upgrades, or technical improvements
Changes to business operations or service offerings
Compliance with legal or regulatory requirements
We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Website.
13.2 Changes to Terms
We may revise these Terms from time to time. When we make material changes, we will:
Update the "Effective Date" at the top of this page
Notify you through the Website or by email (if we have your contact information)
Your continued use of the Website after changes become effective constitutes acceptance of the revised Terms. If you do not agree to the changes, you must stop using the Website.
14. Governing Law and Jurisdiction
14.1 Applicable Law
These Terms and any disputes arising from or related to the Website shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.
14.2 Jurisdiction
Subject to Section 14.3 below, you agree that any legal action or proceeding arising from these Terms or your use of the Website shall be brought exclusively in the courts of England and Wales, and you irrevocably submit to the jurisdiction of those courts.
14.3 Consumer Rights
If you are a consumer resident in the European Union or another jurisdiction with mandatory consumer protection laws, nothing in these Terms affects your right to bring proceedings in your local courts or to rely on mandatory provisions of local consumer protection law.
14.4 Dispute Resolution
Before initiating formal legal proceedings, we encourage you to contact us to seek an amicable resolution of any disputes.
15. Severability and Waiver
15.1 Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be deemed modified to the minimum extent necessary to make it valid and enforceable. If modification is not possible, the provision shall be severed, and the remaining provisions shall remain in full force and effect.
15.2 Waiver
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed to in writing. A waiver in one instance does not constitute a waiver in any subsequent instance.
16. Entire Agreement
These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and TURGON MANAGEMENT LTD regarding your use of the Website and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral.
17. Assignment
You may not assign, transfer, or sublicense your rights or obligations under these Terms without our prior written consent.
We may assign or transfer our rights and obligations under these Terms to any third party, including in connection with a merger, acquisition, corporate reorganization, or sale of assets, without your consent or prior notice.
18. Force Majeure
We shall not be liable for any failure or delay in performance of our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to:
Acts of God (e.g., earthquakes, floods, storms)
War, terrorism, riots, or civil unrest
Government actions, laws, or regulations
Pandemics or public health emergencies
Strikes, labor disputes, or transportation disruptions
Internet outages, cyberattacks, or third-party service failures
19. Contact Information
If you have any questions, concerns, or complaints about these Terms or the Website, please contact us:
TURGON MANAGEMENT LTD
Company Number: 13614887
Registered Office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF, United Kingdom
You will comply with all applicable laws and regulations
You understand the nature of the Website as a lead generation platform
You have reviewed our Privacy Policy and Cookie Policy
Thank you for using Life Insurance UK. We are committed to providing a transparent, secure, and compliant service. If you have any questions about these Terms, please don't hesitate to contact us.